COMMSEC
MARGIN LOAN
Using Your Commsec Margin Loan 2
Commsec Website Basics 2
Holdings 4
Account Details 4
Loan Settlement & Trading Transactions 5
Online Funds Transfers 5
Margin Loan ‘Whatif’ Calculator 6
Confirmation Contract Notes 6
Key Margin Loan Information 7
Your Loan At A Glance 7
Your Loan In Detail 8
Trading With Your Margin Loan 10
Keep Up-To-Date With The Margin Lending News Including
Any LVR Changes 15
USING YOUR COMMSEC MARGIN LOAN
This brochure is your introduction to using your CommSec Margin loan on the CommSec website. It takes you through some of the key web pages and functions that you will use, as well as providing important information you should be aware of when investing through a margin loan.COMMSEC WEBSITE BASICS
To access your margin loan: • Go to www.commsec.com.au
• Enter your Client ID (an 8-digit number issued to you by CommSec) and Password (that you nominated) in the fields on the top right of the web page.
• You will land on the web page selected in the “Start In” field — in this case it’s the Home Page for clients who have logged in.
• To locate your Margin Loan trading account click on the “Portfolio” menu on the top menu bar
• Your Margin Loan trading account will be displayed in your Portfolio, identified by its unique trading account number, which will begin with ‘7’
The Quick Action icon is an easy way to navigate to the most popular Margin Loan pages:
HOLDINGS
LOAN SETTLEMENT & TRADING TRANSACTIONS
MARGIN LOAN ‘WHATIF’ CALCULATOR
KEY MARGIN LOAN INFORMATION
YOUR LOAN AT A GLANCE
The Portfolio page shows you the key indicators for your Margin Loan that can help you understand your portfolio’s performance:
• Your Current & Base Gearing ratios show your current level of debt to equity, as well as the maximum debt to equity ratio allowed on your loan, excluding the buffer amount.
• When your Current LVR is below your Base LVR, your loan status will be “Account in Order” also identified by green shading.
• If your Current LVR is above your Base LVR by less than 5%, your loan status will be “In Buffer”, identifying that you have exceeded the lending limit of your portfolio and are less than 5% away from triggering a Margin Call. Buffer status is identified by orange shading.
• If your Current LVR is above your Base LVR by more than 5%, your loan status will be “In Margin Call”, identifying that you have exceeded the lending limit and Buffer amount of your portfolio and are required to take immediate action to bring your Current LVR back below your Base LVR. Margin Call status is identified by red shading.
YOUR LOAN IN DETAIL
The Account Details page provides an expanded view of all the information that is summarised on the Portfolio page.
• Loan Summary shows the balances relating to your account in dollar terms.
• Loan Position shows your loan’s ratios in percentage terms as well as your available collateral. • Loan Security shows the values that impact your loan collateral (your holdings), in dollar terms • Interest provides a summary of interest charged this financial year and last financial year. • Loan Breakdown identifies your loans by whether they are fixed or variable, including the
To place a SELL Order, ensure that you have the security on your loan available to sell (available on the
Holdings page).
Once you know what order you want to place, use the WhatIf Calculator to simulate your proposed trade.
If the simulated trade (or market movement) places the loan into a “Buffer” or “Margin Call” position,
Once you understand the impact your order will have on your loan, identify the current price (and Current LVR for a BUY) for the relevant security by navigating to the Quotes & Depth page — you can simply type the ASX code into the Quick Quote & Search field at the top of any webpage.
When you have decided the price you want to place an order at, click on “Trading” in the top menu bar to go to the Orderpad.
You need to complete or verify a number of fields in the Orderpad to submit your order:
• Account: If you have more than one account, ensure the account number displayed matches the number of the Margin Loan account you want to trade on.
• Order type: Select BUY or SELL.
• Code: Key in or search for the ASX code.
• Quantity: Enter the number of shares to Buy or Sell.
• Price Limit: Enter the maximum price you are prepared to pay for your Buy order, or the minimum price you are willing to accept for your Sell order. Alternatively, tick “At Market” to buy or sell at the current market price
• Expiry: Choose to have your order in the market for up to 5 trading days, or until the end of the current trading day.
KEEP UP-TO-DATE WITH THE MARGIN LENDING
NEWS INCLUDING ANY LVR CHANGES
STILL HAVE QUESTIONS?
CONTACT US
If at any time you need further information on how to use the CommSec website or your Margin Loan,
you can email marginloan@commsec.com.au or contact
one of our Margin Lending Specialists between 8am & 6pm Sydney Time, Monday to Friday on 13 17 09.
Risk Disclosure
Remember, whilst borrowing to invest can multiply your investment returns, it may also multiply your losses if the value of your investment falls. Margin Loans involve risk, before acting on this information please read and consider the CommSec Margin Loan Important Information & Risk Disclosure Statement located at
www.commsec.com.au>Tools&Support>Contact&Support>FAQ’s>CommSec Margin Loan Risk Disclosure, Important Information and Disclaimer.
Data shown in the images in this material is only for illustrative purposes and is not intend to be read as current and is not advice to buy, sell or hold any particular security or investment
